Achieve New
Possibilities with PSCU

Built, Owned and Governed
by Credit Unions.

Committed to service excellence and focused on innovation, PSCU connects members with a world of new possibilities.

As the nation’s premier payments CUSO, we are proud to partner with credit unions to help them grow and meet evolving member demands. Leveraging digital technology, PSCU now supports the success of more than 1,800 financial institutions, representing more than 6.9 billion transactions annually.

Discover what’s possible with PSCU. Learn more about our best-in-class solutions, including traditional and digital payments, risk management, analytics, digital banking, loyalty programs and comprehensive, 24/7/365 member support.

PSCU 2020 Overview

The payments landscape is rapidly evolving and so is PSCU. Our 2020 annual report highlights the significant investments we've made in our team and technology to ensure accelerated growth for credit unions and boundless momentum for our movement. Discover a detailed overview of our strategic priorities, innovative solutions and overall business performance when you download the PSCU 2020 Annual Report today.

PSCU is made up of
2,800+ employees

Serving 1,800
financial institutions

6.9 billion unique
transactions a year

Saving $471 million
in potential fraud

We have the products, knowledge, and experience to bring your credit union to a
whole new level. Doesn’t your credit union deserve the very best?

A Trusted Advisor

Founded by credit unions more than 40 years ago, PSCU plays a leading role in the progression of credit union success and growth. From end-to-end solutions that help strengthen portfolios, to call-center support that serves as an extension of credit union staff, PSCU is committed to helping credit unions achieve a strategic, competitive advantage. Join us.



Michelle James
VP Digital Transformation, Pen Air Federal Credit Union

“We've seen tremendous growth in both portfolios, great fraud monitoring services, and we're always able to offer what our members are looking for, thanks to the technology and the investments that PSCU is putting into things we're able to provide those products and services that our members are looking for.”

Hear more from our Owners

History Timeline

PSCU has more than 40 years of dedicated service,
providing total solutions to credit unions across the country.

See how we become the premier credit union solutions provider in the country.

2020   PSCU acquires the Primax business, a provider of support services for payment card programs for financial institutions throughout the U.S. and the Caribbean, from T.K. Keith Company, Inc.
2019   PSCU announces a three-year, $100 million investment – the largest ever approved by its Board of Directors – to further advance several key strategic priorities, including optimizing digital experiences, growing member engagement, delivering market-leading security solutions and delivering an unparalleled experience for its credit unions and their members.
2018   Lumin Digital, a PSCU company providing a cloud-based digital banking platform built using market-leading technology, is established. That same year, CU Recovery and The Loan Service Center are acquired to expand PSCU’s ability to service Owners with a comprehensive collections offering.
2016   PSCU is awarded NACUSO’s CUSO of the Year Award, recognizing the important role the CUSO plays in helping credit unions effectively and efficiently serve their members.
2015   Chuck Fagan appointed President and CEO, and PSCU redoubles its efforts to leverage our payments expertise to partner with credit unions to enable growth and provide an unparalleled member experience.

Total Accounts serviced exceeds 18 million, representing more than 2 billion in transactions and 18 million call center inquiries.
2014   41% of all credit unions and 23% of all financial institutions offering Apple Pay are PSCU Owner Credit Unions.
2012   Company rebranded as PSCU.

PSCU partnered with Google Wallet, becoming first processor to make branded mobile payment technologies available to Owner Credit Unions.
2011   Michael J. Kelly is named President and CEO.

Total Member Care Call Centers inquiries exceeds 17 million.
2010   Bill pay subscribers exceed 1 million.

Dave Serlo, PSCU Financial Services’ first employee and beloved CEO, passes away.
2007   PSCU Financial Services acquires Digital Dialogue.
2006   Surpassed milestones of providing service for 10 million accounts. Staff grows to over 1,000 employees serving over 900 financial institutions.
2002   Company’s name changes to PSCU Financial Services, better reflecting our broadened product offering and expanded portfolio of services.
2001   PSCU and PSCU Service Centers merge into a single entity.
Launch of CURewards for credit programs.
1999   Over 500 credit unions, representing 5 million cardholders serviced. ePSCU is launched.
1995   PSCU Service Centers supporting 3 million cardholders.
Advisory Group established.
1994   PSCU becomes a credit union cooperative. New PSCU Service Centers Headquarters building opens. Western Region relocated to Phoenix, AZ.
1992   PSCU launches C.U. In the Air Miles, a unique frequent flyer program.
1991   PSCU begins implementing and servicing debit card programs.
1990   PSCU first in the credit union industry to offer full 24/7/365 cardholder support.
1989   PSCU converts to First Data Corporation to better position members for the 90s and beyond. PSCU Service Centers, Inc. opens for business, servicing 840,000 cardholders for 280 credit unions.
1983   PSCU grows to 275 credit unions.
Dave Serlo hired as President and first employee of PSCU.
1978   PSCU membership grows from 5 to 36 credit unions.
1977   Payment Systems for Credit Unions (PSCU) formed by five leading credit union CEOs from GTE Federal Credit Union, Suncoast Schools Federal Credit Union, Pinellas County Teachers Credit Union, Publix Employees Federal Credit Union, and Railroad & Industrial Federal Credit Union.

Visa U.S.A., Inc. approves the application of this unified group of credit unions to issue credit cards.


We are proud of the people who work hard to make us the best partner for every credit union.


Executive Team

Charles E. “Chuck” Fagan, III

President & CEO

Read Bio

Brian Caldarelli

EVP, Chief Financial Officer

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Tom Gandre

EVP, Chief Operating Officer

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Lynn Heckler

EVP, Chief Talent Officer

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Scott Wagner

EVP, Chief Revenue Officer

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Dean Young

EVP, Chief Experience Officer

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Board of Directors


Sean Rathjen

Consumers CU

Frank Weidner
Vice Chair

Wings Financial CU

Andrew Rosen

Hawaii State FCU

Cathy Pace

Allegacy FCU

Cathie Tierney
Past Chair

Community First CU

Craig Esrael
Board Member

First South Financial CU

Todd Lane
Associate Director

California Coast CU

Jeff March
Board Member

Citadel FCU

Maria J. Martinez
Associate Director

Border FCU

Mark Robnett
Associate Director

Justice FCU

Chris Shockley
Board Member

Virginia CU

Amy Sink
Board Member

Interra CU

Rob Stuart
Board Member

OnPoint Community CU

Nathanael Tarwasokono
Board Member

Firstmark CU


Being a part of our community is a core part of our PSCU culture.

We actively engage in our industry and our community to help make the world a better place. From board and committee participation and sponsorships, to volunteer work & donations, PSCU aims to make a difference every way we can.

Industry Engagement

Industry Sponsorship


PSCU Is The Partner You Can Trust

Your members deserve the best products and services available.

You deserve a partner who understands every aspect of your credit union. Partner with the best. Partner with PSCU today.

Talk to PSCU Today


Let Us Contact You

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Are You Ready to Make a Real Difference Doing Something You Love?

At PSCU, it’s our goal to make a difference in the lives of our clients, their members, and — most importantly — our employees.